Peoples State Bank (WI)

Peoples State Bank (WI) is headquartered in Prairie Du Chien and is the 36^th largest bank in the state of Wisconsin. It is also the 1,292^nd largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 96 employees at 13 locations. Peoples State Bank (WI)'s savings rates are 2X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Peoples State Bank FDIC Certificate # 12814 BankRate Report View Year Established 1915 Employees 96 Primary Regulator FDIC Assets and Liabilities Assets $526.12 million Loans $363.93 million Deposits $433.83 million Equity Capital $54.94 million Loan Loss Allowance $7.05 million Unbacked Noncurrent Loans $6.97 million Real Estate Owned $129,000 Historic Data - March 2011 Assets $404.12 million Equity Capital $39.18 million Loan Loss Allowance $5.73 million Unbacked Noncurrent Loans $2.61 million Real Estate Owned $785,000 Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 1.64% Return on Equity 15.51% Interest Income $5.95 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Peoples State Bank (WI) had $7.1 million in non-current loans and owned real-estate with $61.99 million in equity and loan loss allowances on hand to cover it. This gives Peoples State Bank (WI) a Texas Ratio of 11.45% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Peoples State Bank (WI) held steady from 7.57% as of March 31, 2011 to 11.45% as of March 31, 2012, resulting in a negative change of 51.30%. This indicates that the balance sheet and financial strength for Peoples State Bank (WI) has held steady in recent periods. Deposit Growth In the past year, Peoples State Bank (WI) has increased its total deposits by $91.78 million, resulting in 26.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Peoples State Bank (WI) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Peoples State Bank (WI) has $526.12 million in assets with $61.99 million in equity, resulting in a capitalization level of 11.78%, which is above average.

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